Can I retire at age 52 with 543,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $543,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$44,840$44,441$44,051$43,671$43,300$41,598
2 years$22,198$21,785$21,384$20,996$20,619$18,925
3 years$14,652$14,237$13,837$13,452$13,081$11,449
4 years$10,879$10,465$10,070$9,691$9,330$7,772
5 years$8,616$8,205$7,815$7,444$7,092$5,612
6 years$7,108$6,700$6,315$5,953$5,612$4,210
7 years$6,032$5,627$5,248$4,894$4,564$3,241
8 years$5,224$4,823$4,451$4,106$3,786$2,540
9 years$4,597$4,199$3,833$3,497$3,189$2,017
10 years$4,095$3,702$3,342$3,015$2,717$1,618
11 years$3,685$3,295$2,942$2,624$2,337$1,308
12 years$3,343$2,958$2,611$2,301$2,025$1,064
13 years$3,054$2,673$2,333$2,032$1,766$870
14 years$2,807$2,430$2,096$1,803$1,548$714
15 years$2,593$2,219$1,893$1,608$1,363$587
16 years$2,406$2,036$1,716$1,440$1,204$484
17 years$2,241$1,875$1,561$1,294$1,068$400
18 years$2,094$1,733$1,425$1,166$950$332
19 years$1,963$1,606$1,305$1,054$846$275
20 years$1,845$1,492$1,198$954$756$228
21 years$1,739$1,390$1,101$866$677$190
22 years$1,643$1,298$1,015$787$606$158
23 years$1,555$1,214$937$717$544$131
24 years$1,474$1,137$867$654$489$109
25 years$1,400$1,067$803$597$440$91
26 years$1,332$1,003$745$546$397$76
27 years$1,269$944$691$500$358$63
28 years$1,210$889$643$458$323$53
29 years$1,156$839$598$420$291$44
30 years$1,105$792$557$386$263$37
31 years$1,058$749$519$354$238$31
32 years$1,014$709$485$325$215$25
33 years$972$671$453$299$195$21
34 years$934$636$423$275$176$18
35 years$897$603$395$253$160$15
36 years$862$573$370$233$145$12
37 years$830$544$346$215$131$10
38 years$799$517$324$198$119$9
39 years$770$492$304$183$108$7
40 years$742$468$285$169$98$6
41 years$716$445$267$156$89$5
42 years$691$424$250$144$81$4
43 years$668$404$235$133$73$3
44 years$645$385$221$122$66$3
45 years$624$367$207$113$60$2
46 years$603$350$194$104$55$2
47 years$584$334$183$96$50$2
48 years$565$319$172$89$45$1
49 years$547$305$161$82$41$1
50 years$530$291$152$76$37$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $543,000, adding $2,294 every year, while hoping to spend $25,670 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 67/28/5 Blend
51$543,000$543,000$543,000$543,000
52$600,752$571,973$563,557$640,483
53$634,716$572,687$555,123$667,819
54$671,284$572,576$545,547$694,363
55$710,695$571,572$534,762$722,684
56$753,210$569,603$522,701$752,949
57$799,117$566,593$509,291$785,347
58$848,733$562,462$494,458$820,082
59$902,405$557,124$478,124$857,382
60$960,515$550,488$460,206$897,499
61$1,023,484$542,458$440,619$940,710
62$1,091,772$532,932$419,273$987,321
63$1,165,889$521,801$396,074$1,037,672
64$1,246,393$508,952$370,926$1,092,135
65$1,333,897$494,264$343,724$1,151,125
66$1,429,079$477,607$314,364$1,215,096
67$1,532,682$458,846$282,732$1,284,554
68$1,645,524$437,839$248,712$1,360,052
69$1,768,506$414,431$212,182$1,442,207
70$1,902,620$388,464$173,016$1,531,695
71$2,048,955$359,767$131,080$1,629,266
72$2,208,712$328,160$86,235$1,735,747
73$2,383,215$293,453$38,338$1,852,049
74$2,573,916$255,446$0$1,979,182
75$2,782,419$213,926$0$2,118,938
76$3,010,487$168,670$0$2,274,092
77$3,260,062$119,440$0$2,443,960
78$3,533,283$65,987$0$2,630,047
79$3,832,504$8,047$0$2,834,016
80$4,160,319$0$0$3,057,698
81$4,519,583$0$0$3,319,958
82$4,913,442$0$0$3,610,224
83$5,345,360$0$0$3,928,572
84$5,819,152$0$0$4,277,821
85$6,339,020$0$0$4,661,072
86$6,909,594$0$0$5,081,742
87$7,535,972$0$0$5,543,596
88$8,223,771$0$0$6,050,779
89$8,979,179$0$0$6,607,860
90$9,809,010$0$0$7,219,870
91$10,720,773$0$0$7,892,352
92$11,722,741$0$0$8,631,413
93$12,824,025$0$0$9,443,781
94$14,034,666$0$0$10,336,867
95$15,365,724$0$0$11,318,837
96$16,829,384$0$0$12,398,688
97$18,439,074$0$0$13,586,332
98$20,209,583$0$0$14,892,689
99$22,157,211$0$0$16,329,792
100$24,299,915$0$0$17,910,898